Blue Choice Silver PPO Plans

Blue Choice – Silver PPO Plans Overview

Our Rating:

Blue Choice Silver PPO Plans offer the same benefits as Blue PPO Silver Plans, but are coupled with the Blue Choice PPO network, a smaller version of the “standard” Blue Cross Blue Sheild of Illinois PPO network. If you can accept some reduced hospital and physician choice, BlueChoice Select may be a great option for you. All Blue Choice Silver plans offer the same set of essential health benefits, quality and amount of care.

The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are. Blue Choice Silver Plans have a higher monthly premium and often lower out-of-pocket costs than Blue Choice Bronze plans. Blue Choice Silver Plans cover cover 80% or 100% of the costs after your deductible, depending on the plan.

Coinsurance of 100% to 80% percent of services provided in-network, after deductible and copayments are met

Annual out-of-pocket maximum of $6,000 and $6,350 for individuals and $9,750 or $12,700 for families, depending on the plan

By using a contracting BCBS PPO hospital, doctor or specialist you are able to save on premiums and the cost of covered services. You do not need to select a primary care physician or obtain a referral to see a specialist.

Although you can go to the hospital or doctor of your choice, your benefits under a Blue Choice Silver® plan will be higher, and your costs lower, when you use the services of participating PPO BlueChoice® providers.

Maternity Coverage

As with all individual Blue Cross and Blue Shield of Illinois plans, the freedom of not having to select a primary care doctor or obtain a referral to see a specialist

More Plan Details

It’s important to know the critical features of the health plan you are considering. Each plan’s Outline of Coverage provides brief descriptions of the basic provisions the Blue Choice Silver plans, as well as details on policy renewability, benefit exclusions and coverage limitations.

Prescription Drug Coverage

For the Blue Choice Silver Plans, there is a prescription drug card benefit that includes a $0 or $10 copay for generic, $50 or $100 copay for formulary drugs, and a $150 copay for specialty medications. This benefit is immediately available and not subject to a deductible.

There is a also a Home Delivery prescription benefit available with these 3 deductible options where you can receive a 90 day supply in the mail for the cost of a 60 day supply and is subject to a maximum cost of $300 per prescription.

Outpatient Prescription Drug Benefit

Blue Choice Silver Plan 003

Blue Choice Silver Plan 004

Preferred Generics

$0 copay

$0 copay

Non-Preferred Generics

$10 copay

$10 copay

Preferred Formulary

$50 copay

$50 copay

Non-Preferred Formulary

$100 copay

$100 copay

Specialty

$150 copay

$150 copay

Plan Renewals

Your BCBSIL policy can ONLY be terminated for the following reasons:

Failure to pay

The plan is discontinued (90 days notice given with an option to convert to any plan we offer)

Discovery of fraud or an intentional misrepresentation of facts (30 days prior written notice given)

If you no longer reside, live or work in an area where we are authorized to do business

Add-ons and Plan Options

You can customize any Blue Choice Silver plan to add-on dental insurance.

Optional Dental Coverage

Covers cleanings, check-ups and other preventive procedures immediately – no waiting period

One of the highest maximum benefit amounts available – up to $1,500 per person per year

Up to 20% discount for orthodontic services at participating providers